noscript
search menu
crop

How can we help you?

Generic selectors
Exact matches only
Search in title
Search in content
Post Type Selectors
page
search

Wazir-E-Azam Apna Ghar Program – Ghar Ho Tu Apna

The Markup Subsidy and Risk Sharing Scheme for Affordable Housing Finance

With a view to promote affordable housing finance, the Government of Pakistan has introduced a markup subsidy and risk-sharing scheme, namely ‘Mera Ghar – Mera Ashiana.’

Avail this facility through our conventional and Islamic banking branches.

Product Offerings

  • Home Purchase: This type of facility allows you for the purchase of the constructed property.
  • Construction of a house on an already owned plot: This type of facility is extended to customers who already own land and need funds to meet the cost of constructing the property.
  • Purchase of plot and construction of house: This type of facility is extended to customers who wish to purchase a plot & construct the property on it.

Customer Eligibility Criteria

  • All potential citizens of Pakistan holding valid CNIC.
  • First time homeowner, not owning any housing unit in their name.

Product Features & Benefits

Maximum Financing Up to PKR 10 Million
Minimum Contribution from Customer 10% of property value
Rental Rate 5% for first 10 years and variable at Kibor+3% for subsequent years
Financing Tenure Maximum 20-year financing tenure
Size of Housing Unit House of up to 10 Marla or flat/apartment of up to 1500 sq. ft.

Minimum Documentation:

  • Filled out the application form.
  • CNIC copy of the applicant.
  • Proof of income documents
  • Property (house, flat, or plot for construction) to be mortgaged must be identified and specified by the customer at the time of application submission and initial processing
  • Undertaking for ­first time homeowner
  • Proof of allotment, transfer, and/or Title Document of the property to be mortgaged

To submit your application, kindly reach out to a designated branch: View the list of Designated Branches

For more details, please call our 24/7 customer care centre at 111-1-HABIB (42242).

Translate »